Frequently Asked Questions

Debt relief is for people who are tired of spinning their wheels—making payments every month, but never really seeing the balances move. Instead of juggling a pile of maxed-out cards and guessing who to pay next, a debt relief program gives you one clear game plan and one predictable monthly deposit with an actual finish line. The goal is simple: use that monthly deposit to build up a fund that can be used to settle your enrolled debts for less than you owe, instead of pouring money into years of interest charges. Yes, your credit will dip in the short term—but in exchange, you're finally moving toward being done, not just treading water. The real benefit is psychological as much as financial: fewer bills to track, fewer "who do I pay this month?" decisions, and the relief of knowing there's a structured, legal path to unwind debt that has become unmanageable.

You're enrolling in Cordoba Legal Group's Debt Settlement Plan—a proven path to resolve unsecured debts (credit cards, personal loans, medical bills) faster and with no interest or prepayment penalties. It's a structured, attorney-backed plan designed to help you take control, save money, and finally become debt-free.

This program is designed for people who cannot keep up with their credit card payments. For the cards and loans you enroll, you will stop paying those creditors directly and instead make one monthly deposit into your dedicated program account. Your enrolled accounts will go past due, your credit will drop, and you will get collection calls, but that is exactly what allows us to come in later with lump-sum settlement offers using the money you've saved. We'll also give you a Creditor Hotline number (561-560-3195) that you can put on your accounts or give to collectors so calls come to our team instead of your personal phone.

This is not a loan. Instead of moving debt around, our law firm (Cordoba Legal Group, "CLG") directly negotiates with your creditors—often reducing balances so you pay far less than you owe. You make just one simple monthly deposit into your dedicated account, and we handle the rest.

We only run a soft credit pull—this has zero impact on your score. It's simply to match you with the right program.

It may dip temporarily in the first few months while creditors report your accounts as being negotiated. But here's the exciting part: many clients see their entire debt load paid off in as little as 4‑6 months. Once debts are settled and balances hit $0, credit scores usually bounce back quickly—often stronger than before. In the long run, this program can put you in a far healthier credit position.

Straight into your Dedicated Account that we set up for you—an FDIC-insured savings account in your name. You have full access with your own login, and funds are used (with your authorization) to pay settlements and program fees.

Working with Cordoba means you're not trying to fight creditors on your own—you have a law firm in your corner for the debts you enroll. Our team's job is to deal with the stress you're sick of: the back-and-forth with collectors, the negotiating, and the paperwork behind your settlements. Your job becomes much simpler: make your monthly deposit, review settlement offers, and approve them when they make sense. You also get something most "debt companies" can't truly offer.

Will CLG represent me if I'm sued?

Yes. Full legal defense for lawsuits on enrolled debts is included. If you already have a lawsuit at enrollment (or one appears in the first 30 days), there's just a one-time $550 case filing fee—after that, all lawsuit defense is fully covered. On top of that, you get a dedicated program account in your name, full visibility into your progress, and a Creditor Hotline number you can put on your accounts or give to collectors so many of the calls are directed to our team instead of your personal phone. In short, you get a smarter plan, a legal team backing it up, and a lot less of the day-to-day headache of dealing with creditors yourself.

You're always in control. Cancel anytime, and CLG will return any remaining money in your settlement fund. If your debts are fully resolved for less than what you saved, the extra is refunded to you. Only attorney's fees already earned on settled accounts are retained.

We use your bank info to set up the one monthly deposit that powers your program. Instead of paying multiple credit cards, that deposit goes into a dedicated account in your name that is used to fund lump-sum settlements you approve. We don't ask for your online banking login—just routing and account numbers, like setting up direct deposit at work.

No. Your bank details are used to draft your scheduled monthly program deposit. Funds go into your dedicated program account and are used only for program fees and settlements as outlined in your agreement.